Does A Home Warranty Cover Electrical Issues?

PUBLISHED: Nov , 08 2022 • 6 MINS READ

Electrical issues are common and unexpected. And if you have this question, “Does home warranty cover electrical issues?” in your mind, you’ll find the answer in this blog. Home warranty companies cover the repair and replacement costs of your home appliances and systems. There are many companies in the market that also offer coverage for interior electrical systems.

Does A Home Warranty Cover Electrical Issues

This blog will help you understand the coverage options for electrical systems, the limitations of the coverage, the best warranty companies to choose from, and many more. Read on to know more about this topic so you can choose the right home warranty plan.

What Are The Types Of Electrical Issues Covered?

Home warranty companies do cover electrical appliances and components. However, the coverage is limited to certain types of electrical appliances or systems.

The following table will list the electrical items covered under the warranty and the items that are optional:

What Are The Types Of Electrical Issues Covered

Electrical appliances/systems covered

Components & parts of air conditioner and water heater
Electrical panels
Light switches
Electric outlets
Light fixtures & wiring from electrical panel to any covered items
Main breaker & fuse panel box
Interior electrical lines

Ceiling fans
Garage door openers
Condensing units
Air handlers
Electric wall A/C
Electric window A/C
Zoned systems

Optional

Cable or electrical lines leading to or from the well pump (located within the well casting)
Control panels & electronic boards
Pool equipment (plumbing related work)

There are some appliances/systems that you will find on both covered and not covered lists depending on the home warranty company you choose.

Built-in exhaust/vent/attic fans
Doorbells/chimes & associated systems

Home warranty companies cover the repair and replacement of electrical items just as they cover other appliances and systems. Still, there are some limitations and exclusions that you will learn about in this blog.

Limits And Exclusions

There is no separate coverage limit or dollar limit for electrical systems in a home warranty plan. Hence, the general coverage limit per appliance/system is applicable for electrical systems as well. The average dollar limit per electrical system can range from $2000 to $3000.

When it comes to contractual limitations or exclusions, you’ll find several electrical items are struck out from warranty plans.Look at the table below to understand the exclusions better:

Limits And Exclusions

Electrical Systems/appliances

Audio/video/computer/security wiring or cable
Telephone wiring
Rewiring of outdoor systems
Face plates
CO alarms
Smoke detectors
Intercom/communication devices
Auxiliary or sub panels

Repair & Replacement

Repair or remediation of cosmetic defects
Rerunning of wire (when broken or severed)
Circuit overload
Upgrading existing outlet to GFI (Ground Fault Interrupters )
Electrical lines connected to well pump
Electronic/smart/computerized and internet-enabled components & parts.
Electrical failure or surge
Circuit overload

Situations

Poor maintenance (mold, rust, fading of color)
Improper installation
Acts of God or accidents (natural disasters)
Systems that were broken before buying the warranty

How To File A Claim For Electrical Issues?

The whole purpose of subscribing to a home warranty plan is to get your appliances repaired or serviced when they break or malfunction. When you file a claim, most of the providers will respond to you within 24 hours, or at the most 48 hours. They will register your claim request and get in touch with the technician who will schedule a visit to your place. Usually, for a new warranty buyer, the provider may wait 30 to 60 days so that people don’t abuse the services.

How To File A Claim For Electrical Issues

You can file a claim for electrical issues by following these steps:

Analyze and understand your product’s condition and the coverage limit offered by your warranty plan: Once you start seeing issues in the electrical system, you must inform the warranty provider immediately. Finally, you must know what is covered and not covered before going forward.

Prepare a detailed description of your problem. It will make filling out the online form easier and you can submit the claim quickly.
Request a service visit from the provider: You can file a claim online or over the phone if you want to. Some providers have their own applications, and you just need to download them on your mobile and start filling out the claim form.
Pay the service fee: Whatever the issue is, you need to pay the service fee by default. The fee could range from $50 to $150.

You have now successfully filed a warranty claim.

Top 3 Companies That Cover Electrical Issues

We have reviewed and listed the top three home warranty companies that offer comprehensive and affordable coverage on electrical items.

Choice Home Warranty

Premium – $46-$55

Deductible – $60-$85

BBB Rating – C

Electrical Issues

All except: Face plates, intercoms, telephone wiring, all components & wiring to or from generator, solar power system, or an energy management system. Cable or electrical lines of well pump & within the well casting.

American Home Shield

Premium – $39-$60

Deductible – $75-$125

BBB Rating – B

Electrical Issues

All except: Audio, video, computer, intercom, alarm or security wiring or cable, telephone wiring, face plates, circuit overload.

Liberty Home Guard

Premium – $35-$50

Deductible – $90

BBB Rating – NA

Electrical Issues

All except: Co alarm, smoke detectors, intercom, communication devices, doorbells & associated systems, D.C. wiring, attic exhaust fans, auxiliary or sub panels, rerunning of electrical wiring for broke/severed wires, wire tracing, circuit overload, upgrading existing outlet to GFI, control panels, electronic boards, pool/spa equipment, electrical lines connected to main dwelling-well pump. Electronic, computerized, “smart” and or internet-enabled components & parts, electrical failure or surge.

Final words

Home warranty companies are the best option you have if you want to keep your electrical items running for a long period of time. And for your question, “does home warranty cover electrical issues”, none of the companies offer special coverage for electric appliances and systems. You should get a good home warranty plan for your home that offers coverage for a wider range of electrical systems.

Frequently Asked Questions (FAQs)

What Does A Home Warranty Cover In General?

Home warranties cover most of the appliances and systems such as refrigerators, heaters, air conditioners, etc. The plan covers damage that happens due to wear and tear and the failure of parts or components. Some companies offer either appliance-only or systems-only plans, and some offer a hybrid plan to cover both.

Will Choice Replace My Covered Electrical System?

Yes, Choice Home Warranty will repair or replace your electrical appliances or systems if they are covered under the plan.

What Are The Factors To Consider When Buying A Home Warranty?

There are some important factors you must consider while buying a home warranty. The warranty provider must offer the services that suit your needs and budget. Hence, the first and foremost thing you should check is the service agreement.

It will help you understand the claim procedure, coverage limits, the quality of customer service policy, how effectively they solve your problems, do they cover pre-existing issues, etc. Next, you must check their license with the concerned authorities and reputation in the industry. Lastly, you can check the customer reviews on our platform, Home Warranty Reviews to see other people’s experience.

DoAmerican Home Shield Cover Generators?

No, American Home Shield does not cover generators. However, some companies such as Liberty Home Guard do cover generators.

Which is the best home warranty company for electrical coverage in Florida?

For electrical coverage, American Home Shield is the best home warranty company in Florida. The company offers a generous coverage cap of $6,000, which can cover any type of electrical issue. Its customization plan can be utilized to cover the appliances you prioritize. And with 45+ years of experience, 24/7 customer service, and a network of 17,000 contractors, American Home Shield is easily the best warranty company for electrical coverage.

Does A Home Warranty Cover External Electrical Issues?

Home warranties usually don’t cover electrical issues outside the dwelling, such as auxiliary or sub panels, pool or spa equipment, telephone wiring, solar power systems, cable or electrical lines to well-pumps, etc. However, you’ll find some home warranty companies that cover external electrical systems like generators or D.C. wiring.

Is House Wiring Covered Under Home Warranty?

Yes, house wiring is covered under a home warranty.

Does Home Warranty And Home Insurance Both Cover Electrical Issues?

Both home warranties and home insurance cover electrical issues. However, they do not offer the same type of coverage. Home insurance covers sudden and accidental damage or malfunction of electrical items or wiring caused by peril.A home warranty covers damage or malfunctions due to aging or wear and tear of electrical appliances or systems.